Unexpected address change in Apple Pay

What address is listed in Apple Contacts app for your >> ME << contact card?

Check these other addresses too.

iPhone > Settings > Apple Account (Your Name at top of screen) > Payment & Shipping > tap card to edit > tap Billing address > tap edit (upper right corner of screen) edit necessary changes

iPhone > Settings > Apple Account (Your Name at top of screen) > Payment & Shipping > Shipping Address (edit or delete address)

iPhone > Settings > Wallet & Apple Pay > Transaction Defaults (scroll down) > Shipping Address > Edit (upper right corner of screen) > either Enter New Shipping Address, add new address or edit/delete addresses

Please contact Apple Support. They’ll be your next best resource for getting everything resolved and you up and running as quickly and efficiently as possible. They can remotely connect to your iPhone and see what’s happening.

You need to have Apple perform diagnostics on your iPhone. It can be done in person at an Apple Retail Store or at an Apple Authorized Service Provider. You can also contact Apple Support and request remote diagnostics.

If you’re in the US please call  1-800-MY-APPLE or outside the US, consult the support articles below. In Canada call 1-800-263-3394

Contact Apple for support and service - Apple Support

Genius Bar Reservation and Apple Support Options - Apple

Explore Service Locations

Official Apple Support

In my experience you should contact Apple Support for assistance.

What do you mean you “went and looked”? Where did you go to look? Do you live near Alabama? Do you use a VPN? Is your ISP or cellular provider doing a masking of location?

Are you near an Apple Store?